Esurance Review

Yes, Esurance insurance rates are competitive for some drivers, including seniors, teens, and college students. Esurance car insurance costs an average of $719 annually, or $60 per month.

Esurance's car insurance rates are based on your driving record and experience, along with factors like the type of car you drive, your ZIP code, your insurance history, and more. Your coverage and deductible choices also impact your final quote, as do your eligibility for discounts.

Sample Esurance Car Insurance Rates

These sample quotes are representative of Esurance's insurance prices, but individual results will vary. To learn more about how we obtained these sample quotes, check out the methodology section of our complete Esurance car insurance review. 

Esurance is rated 3.3 out of 5 by WalletHub's editors, based on factors such as customer reviews and watchdog-group ratings. For example, Esurance has a rating of 2.92 from he National Association of Insurance Commissioners (NAIC), meaning it has more customer complaints than the average insurer its size.

Esurance Insurance Ratings

• WalletHub Editors: 3.3
• A.M. Best: A+
• J.D. Power: 4.1
• NAIC: 2.92
• BBB: A-
• Moody's: A2
• Average User Rating on WalletHub: 3.7/5

To learn more, check out WalletHub's complete Esurance car insurance review.

Esurance insurance rates go up by an average of 53% after an accident. Even though an accident will cause Esurance to raise your car insurance premium when you renew your policy, the added cost will only be temporary. An accident will usually affect your Esurance premium for just 3-5 years.

The exact amount that Esurance premiums go up after an accident depends on a few factors, including who was at fault, how much damage was caused, the policyholder's driving and claims history. In general, at-fault accidents or severe accidents that lead to expensive insurance claims increase rates more than minor or not-at-fault wrecks. Additionally, premiums increase more for drivers who have had previous accidents or moving violations.

Esurance is owned by The Allstate Corporation. The Allstate Corporation is an American insurance company headquartered in Northbrook, Illinois, and it has owned Esurance since 2011.

For more information, check out WalletHub's full Esurance review.

To cancel Esurance insurance, the policyholder must contact a customer service representative at 1-800-378-7262. The cancellation can be arranged for a future date or set to take effect immediately. You will need your name, policy number, and the date you want your policy to end. If you've already paid your premium for the policy period in full, Esurance will refund the unused portion, minus any cancellation fees. Esurance does impose a cancellation fee or penalty for early termination.

It's important to remember that you don't need to cancel your policy just because you're going through some life changes. For example, you should have Esurance update your mailing address or vehicle information if you're moving or buying a new car.

If you're canceling your current policy in order to switch to another company, be sure to activate your new policy before canceling the old one. This prevents a lapse in coverage, which would lead to higher premiums in the future.

Esurance is so expensive because car insurance is expensive in general, due to rising costs for insurers. But at $719 per year, the average Esurance car insurance premium is actually about the same as the national average of $720. 

Even though Esurance offers average rates, its premiums can get expensive for drivers with certain characteristics. For example, teenagers pay an average of $2,756 for Esurance insurance, compared to $744 for older drivers. Additionally, drivers who recently had an at-fault accident pay an average of $1,103 for Esurance coverage, which is 53% more than drivers with a clean record.

Factors That Can Make Esurance Insurance More Expensive

• Being a young or inexperienced driver
• Purchasing a full coverage policy versus minimum coverage
• Causing an accident or being convicted of a moving violation
• Living in a high-risk ZIP code
• Driving an expensive vehicle
• Having a poor credit-based insurance score

If you're struggling to afford your Esurance insurance, there are ways for you to lower your rate. For example, you can take advantage of Esurance discounts or reduce your coverage.

In some cases, it might be better to switch insurers altogether. It's usually a good idea to compare quotes from at least three different insurers to see if you can find a better deal elsewhere. Each insurer uses its own algorithm to calculate premiums, so even if Esurance is charging you a high premium, you may be able to find a cheaper policy with another insurer.

To learn more, check out WalletHub's Esurance insurance review.

Your Esurance rate could have gone up for many reasons, such as a recent claim or a new driver being added to the policy. Other factors that could cause Esurance to raise your rate include getting into an accident, being convicted of a moving violation, and adding coverage to your policy. Esurance may also raise your premiums for reasons that are beyond your control, such as recent natural disasters, increasing repair and healthcare costs, and crime trends.

Top Reasons Why Esurance Raises Rates 

• Recent claims
• New driver or car added to a policy
• Moving violations
• At-fault accidents
• Increased coverage
• Lower deductible
• Recent switch to an expensive car
• Relocation to a high-risk zip code
• Decline in creditworthiness

How to Lower Your Esurance Insurance

If you're struggling to afford your Esurance premium, there are a few steps that you can take to lower your rate. You can start by looking for Esurance discounts that you can qualify for, such as the Renters Plus or DriveSense discount. You can also make changes to your policy, including raising your deductible and reducing your coverage.

Another option is to switch insurance companies. Each insurer calculates rates differently, so you may be able to get the same amount of coverage elsewhere at a lower price. As a general rule, you should get quotes from at least three different companies every 6-12 months to make sure that you're still getting the best deal. 

No, Esurance does not have accident forgiveness. As a result, Esurance car insurance customers should expect their rates to go up by an average of 53% after an at-fault accident, even if it's their first one. 

Although you can't get accident forgiveness with Esurance, there are other ways to lower your rate after an accident. For example, you can look for any additional discounts that you may qualify for. You might also consider temporarily reducing your coverage.

To learn more, check out WalletHub's guide to accident forgiveness.

You can lower your Esurance car insurance costs by taking advantage of Esurance discounts, opting for a higher deductible, and reducing your coverage, among other things. Esurance considers a variety of factors when calculating your premium, though some – like your age and location – are out of your control. Fortunately, you can take steps to influence other factors in order to lower your rate.

How to Lower the Cost of Car Insurance from Esurance

Use Esurance's auto insurance discounts

Esurance offers a wide variety of discounts that can help you lower your overall car insurance bill. For example, drivers can get a discount equal to 30% of their renters insurance premium if they purchase renters insurance in addition to their auto policy.

Raise your car insurance deductible

Opting for a higher deductible on any of your insurance policies from Esurance can lower your premium. But if you decide to go this route, it's important that you choose a deductible amount that you can still afford if you suddenly need to file a claim. Otherwise, you might not be able to use the coverage that you have.

Reduce your car insurance coverage

 Most states require a certain amount of bodily injury liability and property damage liability coverage. But there are other coverage options (like comprehensive, collision, personal injury protection, and uninsured motorist) that you may not have to purchase, depending on your state.

Less coverage usually means lower premiums, but it could also lead to higher costs in the long run, so it's important to approach coverage decisions with caution.

Improve your driving record

Practicing save driving habits and avoiding moving violations can help you qualify for lower Esurance insurance rates long-term. You may also be able to attend traffic school in order to remove a violation or points from your record, depending on your state. Esurance even offers a discount to drivers who take an approved defensive driving course.

Build and improve your credit

Because your credit history is correlated with your likelihood of filing an insurance claim, Esurance uses your credit data to calculate your premium in states where it is legal. As a result, having good credit makes you less of an insurance risk, which will reduce your rates over time.

Drive less

Whether you can shorten your commute to work, use more public transportation, or even ride a bicycle more, driving fewer miles each year could lower your Esurance premium.

Drive an insurance-friendly car

Expensive cars, sports cars, and cars with high rates of theft are considered to be riskier to insure than cheaper, more practical vehicles. Before you buy a new car, get a new quote from Esurance to see how it will affect your rate. If the cost is out of your budget, then you should probably choose a different car.

Sign up for DriveSense

DriveSense, the Esurance telematics program rewards you for good driving with a discounted premium. Specifically, DriveSense tracks miles driven, speed, the time of day that you drive, and braking. By using DriveSense, drivers can save 5% initially on their rate.

Finally, if you're still struggling to afford your Esurance policy, you should consider switching insurers. Even if you're not actively looking for a new policy, it's generally a good idea to compare quotes from three different companies every 6-12 months. To learn more, check out WalletHub's guide to switching car insurance companies.

Esurance roadside assistance costs about $12 annually, though pricing varies by state, though exact prices may vary depending on the state and the covered vehicles. Esurance roadside assistance is an optional endorsement that customers can add to their car insurance policy and use when they need emergency towing, fuel delivery, and more.

Esurance Roadside Assistance Includes:

• Towing (to the nearest repair shop)
• Gas delivery
• Flat tires

Esurance roadside assistance is meant to help drivers in need of immediate rescue, but it usually does not pay for the underlying problem, such as engine repairs or a battery that needs replacing. Additionally, the exact number of incidents covered by an Esurance roadside assistance plan will vary by state and policy.

Purchasing roadside assistance from your car insurance company is usually less expensive than a motor club membership from a company such as AAA. However, it might not provide as much coverage. For more information about choosing between roadside assistance options, check out WalletHub's guide to the best roadside assistance.